Is Kentucky First Federal Bancorp overvalued or undervalued?

As of 17 October 2025, the valuation grade for Kentucky First Federal Bancorp has moved from expensive to fair. The company appears to be fairly valued at present. Key ratios include a Price to Book Value of 0.46, an EV to Capital Employed of 0.63, and an EV to Sales of 2.33. In comparison, Magyar Bancorp, Inc. is rated very attractive with a P/E of 11.61, while IF Bancorp, Inc. is considered fair with an EV to EBITDA of 20.89.
Despite the recent valuation adjustment, Kentucky First Federal Bancorp has shown mixed performance against the S&P 500, with a year-to-date return of 25.67% compared to the index's 13.30%. However, over the longer term, the company has significantly underperformed, with a 3-year return of -48.98% versus the S&P 500's 81.19%.